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<< I now have three separate IRA accounts. I was advised to do it
that way by a CPA so that there would be no question as to their validity.

The problem is that there are residual amounts in each account that are not
invested in equities. By themselves these amounts are small but combined
would provide a basis for additional equity purchase with reduced commission.

My question is, can these three accounts be combined into one account
without breaking any IRS rules? >>

Yes, but.

The account that has the 401(k) rollover is called a "conduit" IRA, and it has special characteristics. If you taint it with non-401(k) money, it loses its conduit status. This may or may not make a difference to you. (The major benefit of conduit IRAs is that they can be rolled into a subsequent employer's plan.)

You can read up on these issues in the FAQ of the Tax Strategies board.

Phil Marti
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